1900 Derfla Dr, Saint Joseph, MI 49085 Property Records

Berrien County property record for 1900 Derfla Dr, Saint Joseph, MI 49085

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,310 sqft · built 1974
Lot Size	0.258 acres (11,238 sqft)
Owner	Individual Name on File
Last Sale	$229,000 (May 2023)
Tax Bill	$1,839 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Oct 2020 Transfer + 1 more
Flood Zone	Zone AE (high risk)
APN	`17-7200-0026-00-1`

Property Details

APN / Parcel Number

Primary APN	`17-7200-0026-00-1`
Alternative APN	`11-17-7200-0026-00-1`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,310 sqft Living Area
1st Floor Area	1,162 sqft

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Lot Area	11,238 sqft (0.258 acres)
Lot Dimensions	125 ft deep x 90 ft wide
Garage Area	320 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	1900 DERFLA DR
City	SAINT JOSEPH
State	MI
Zip	49085-9691
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 - LD
Legal Description	LOT 26 & THE E HAF OF LOT 27 SHADY SHORES
Legal Subdivision	SHADY SHORES
Legal Lot Number	26-27
Legal Unit	26,27
Jurisdiction	BERRIEN MI
Township / Civil Division	ROYALTON
Census Block Group	3
Census Block	3001
Census Tract	1800

Owner

1900 Derfla Dr is owned and occupied by an individual who bought it in May 2023.

Source: Berrien County records, as of September 28, 2026

Owner of Record	Individual Name on File
Mailing Address	1526 E 88TH ST, NEWAYGO, MI 49337-8863
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 11, 2023	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Oct 15, 2020	Intrafamily Transfer, Transfer
May 3, 2017	Warranty Deed, Transfer CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 11, 2023 · Amount on File
Deed Sale	May 11, 2023 · Amount on File
Prior Sale	May 3, 2017 · Amount on File
Deed Document Number	2023380420
Deed Book / Page	3403 / 3587
Prior Transfer Date	Oct 9, 2020
Prior Transfer Doc	0000291395
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	May 11, 2023
Property Address	1900 DERFLA DR, SAINT JOSEPH, MI 49085-9691
Document Number	03403/3587
Book / Page	3403 / 3587
Map Reference	LB 14 PG 18
Instrument Date	May 3, 2023
Instrument	2023380420
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,717.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1900 DER A DR, SAINT JOSEPH, MI 49085

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1900 DERFLA DR, SAINT JOSEPH, MI 49085-9691
Investor	Possibly a Property Investor

Mortgage

Document Number	2023380421
Date	May 11, 2023
Instrument	2023380421

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERRIEN MI
Recording Date	Oct 15, 2020
Property Address	1900 DERFLA DR, SAINT JOSEPH, MI 49085-9691
Document Number	03295/2877
Book / Page	3295 / 2877
Map Reference	LB 14 PG 18
Instrument Date	Oct 9, 2020
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1900 DEFLA DRIVE, SAINT JOSEPH, MI 49085-9691

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	May 3, 2017
Property Address	1900 DERFLA DR, SAINT JOSEPH, MI 49085-9691
Document Number	03171/0298
Book / Page	3171 / 0298
Map Reference	LB14 PG18
Instrument Date	May 2, 2017
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount on Record
Tax	$974.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1900 DERFLA DR, SAINT JOSEPH, MI 49085-9691

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1900 DERFLA DR, SAINT JOSEPH, MI 49085-9691

Tax Assessment & Valuation

The 2025 property tax bill for 1900 Derfla Dr was $1,839 with a homeowner's exemption, up 2.4% from the year before.

Source: Berrien County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
County Subdivision	Royalton Township
Unified School District	St. Joseph Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$114,500 (+11.27%)	$229,000 (+11.27%)
2025	$1,839.00 (+2.39%) Homeowner's exemption	$102,900	$205,800
2024	$1,796.00
2023		$68,700	$137,400
2022	$1,336.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1900 Derfla Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 10, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 17 policies
Nearby Flood Policies	17 in force
Nearby Flood Claims	43 (1978–2018)
Claims Outside the SFHA	11 of 43
Most Recent Claim	Mar 2018 · river or lake flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 1900 Derfla Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 93% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 46 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Mercury Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Derfla Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures